Legal analysis: need. If the loan behavior and fraud behavior belong to two independent behaviors, unless the loan company commits fraud and the loan contract has been signed but not issued, it needs to be repaid; The repaid loan can be recovered from the fraudulent third party.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.